A mum who fell victim to a PPI scam conning her out of £375-worth of iTunes gift cards is warning others not to fall into the same trap.

Annette Walton, 47, a housekeeper at the Cheviot Hotel in Northumberland, was plagued with calls for months about the mis-selling of the insurance product from numbers beginning 02 and 03.

The mum-of-one was then told in October she had been awarded £3,750 - and she wouldn’t need to give over her bank details.

Instead, the scammers instructed Ms Walton to visit her local Tesco store in Hexham and buy £375-worth of gift cards.

Speaking about her experience on October 18, she said: “When I bought the iTunes cards, I peeled them off and read the serial numbers over the phone, and he kept just saying, ‘the next one, the next one’.

“I was told a Fedex delivery driver called Michael Jones would then hand over the cash between 3.30-4pm, and what I had to do when the money arrived was count it to confirm the amount.

“He did not arrive by 4pm, and I called back and was told he would be back tomorrow.”

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When the driver failed to show up the following day, Annette realised she had fallen foul of fraudsters and reported the scam to police.

Action Fraud, the national fraud reporting body, issued a warning over iTunes gift card scams earlier this year after a number of reports.

And Ms Walton says the fraudsters’ repeated insistence they were from the Financial Conduct Authority, and using well-known businesses such as Fedex and Tesco, convinced her the claim was legitimate.

Annette Walton of Bellingham who was the victim of a PPI scam which conned her out of £375 worth of Itunes gift cards (Image: Annette Walton of Bellingham who was the victim of a PPI scam which conned her out of £375 worth of Itunes gift cards)

She added: “The callers gave me names such as Alex Marvin or Richard Brown and spoke with a foreign accent.

“Looking back on it this they were ringing from a call centre as I could hear other phones in the background - they were definitely an organised scam group.

“The fact these people could do it to me is worrying.”

Action Fraud confirmed Ms Walton’s report has been received, and is currently being investigated by the National Fraud Intelligence Bureau.

The 47-year-old has been left shaken by the experience, but says it is the actions of the fraudsters rather than the lost cash which is troubling her.

She added: “It leaves me with a sad feeling that people can actually do this to one another. You always think it is never going to be you.

“You’re told it is the elderly who are most vulnerable to these scams, so the fact these people could do it to me is worrying.”

Call Action Fraud on 0300 123 2040 if you have been the victim of a scam, or dial 999 in the event of an emergency and are in immediate danger.